There’s a common habit among those who travel — domestic trips are less risky and are not worthy of travel insurance. Although domestic trips may appear less risky than international trips, travel insurance for domestic travel should never be overlooked for some crucial reasons.
Whether you’re a frequent traveller or not, having coverage before embarking on a vacation is always the best idea. Here are two compelling reasons why domestic trips should be insured.
Offers financial protection
- Trip Cancellation or Interruption: Unexpected illness, family emergencies, or even bad weather can disrupt your travel plans. Insurance can reimburse prepaid expenses like flights, hotels, and tours if you need to cancel or cut your trip short.
- Medical Emergencies: Even within your own country, medical expenses can quickly stack up, especially if you need specialized care or are far from home. Insurance can cover medical bills, including hospitalization, ambulance transport, and emergency evacuation.
- Personal Belongings: Lost, stolen, or damaged luggage can be a major headache. Insurance can reimburse you for the value of your belongings or cover emergency purchases until your luggage is found.
Offers peace of mind
- Unforeseen Events: Travel disruptions like flight delays, missed connections, or natural disasters can be stressful. Knowing you’re covered by insurance can provide peace of mind and help you handle these situations calmly.
- Additional Benefits: Some policies offer additional features like coverage for rental car damage, legal assistance, and personal liability protection. This can provide extra security and convenience during your trip.
How domestic travel insurance can be particularly important?
- Engaging in adventurous activities
If your trip involves hiking, skiing, or other potentially risky activities, insurance can provide coverage for injuries or accidents.
- Travelling during peak season
During busy travel periods, the chances of flight cancellations or delays increase. Insurance can help recoup lost expenses if your trip is affected.
- Having pre-existing medical conditions
If you have a pre-existing condition, traditional travel travel insurance might not cover you. However, some domestic policies offer specialized coverage for pre-existing conditions.
The decision of whether or not to purchase domestic travel insurance depends on your risk tolerance and the specific details of your trip. However, considering the potential financial and emotional benefits, it’s certainly worth weighing the cost of the insurance against the potential costs you might incur if something goes wrong.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
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